car loans from 8.70%*

new car loans from 8.70%*p.a.

comparison rate 9.10^p.a.

Thinking of buying your dream car? With low rates, no ongoing fees, savings on RACV Car Insurance and 24-hour fast approval RACV Finance will have you in the drivers seat in no time. Apply online now and make your dream car a reality.

You can get fast over the phone approval. We also provide pre-approvals so that you can bargain to your best advantage, knowing exactly how much you have to spend.

Once your application is approved, simply drop into your local RACV Shop, sign the documents and pick up your cheque. It's that easy. For your convenience we can also organise your settlement by mail. For most loans the money can be in your hands in as little as 24 hours.

Find out about our car loans:

features of our car loans

Savings on RACV Motor Insurance	When you take out an RACV Car or Personal Loan you may receive a saving on your annual RACV Comprehensive Car Insurance during the term of your loan.
No ongoing fees	Our loans do not have any ongoing fees.
Approval within 24 hours	In most cases our speedy approval process will take no longer than 24 hours.
Loan protection cover	Credit Protection is an optional insurance cover that can pay your loan repayments if you are unable to work because of illness, injury or involuntary unemployment. Credit Protection can also protect your estate from repayment of the loan in the unfortunate event of your death (conditions apply). Credit Protection is issued by St Andrew's Insurance (Australia) Pty Ltd ABN89 075 044 656 AFSL 239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243 AFSL 281731. Please consider the Product Disclosure Statement, available from RACV, before deciding to purchase Credit Protection.
Autosure protection	In the event of an accident and your car being declared a total loss, and the comprehensive motor vehicle insurance payout not covering the balance of the finance still owing, you are liable for the shortfall, which could be thousands of dollars. Autosure Protection can help protect you against this shortfall by covering the loan balance still owing to your finance provider if the payout from your comprehensive insurance company is not sufficient to cover your remaining balance. Autosure Protection is issued by St Andrew's Insurance (Australia) Pty Ltd ABN89 075 044 656 AFSL 239649. Please consider the Product Disclosure Statement, available from RACV, before deciding to purchase Autosure Protection.
RACV warranty	RACV Warranty offers you extended cover on your vehicle, giving you greater peace of mind when choosing your vehicle. You can choose between three types of cover for one, two or three years. Refer to the RACV Warranty Product Brochure and RACV Warranty PDS for further information.

apply for a loan

For an RACV Car Loan, you can:

Call RACV Finance on 13 15 60.
Apply for a car loan online now
Download a loan application form (83KB) and fax it back to RACV Finance on (03) 9790 2971. One of our consultants will contact you within the next working day.

upon approval of your personal or car loan application

Once your application is approved, simply drop into your local RACV Shop, sign the documents and pick up your cheque.

how to make repayments

With the convenience of direct debit, loan repayments will be automatically debited from your nominated bank account each fortnight or month. Extra repayments can be made at any stage during your loan via Bpay.

personal and car loans fees, terms and conditions

Principal and interest payments only .

All applications are subject to RACV Finance lending criteria.

business car loans

RACV Finance now offers business car loans call 13 15 60 for more information.

*Conditions, fees and charges apply. Rate subject to change without notice. ^Comparison rate calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw or early repayment fees and cost savings such as fee waivers are not included in the comparison rate, but may influence the cost of the loan. Subject to RACV lending criteria.